The other day I stood at the counter of a small grocery shop in Panama City watching as the young man on the other side of the counter tried to tally up my purchases. One item I’d presented was missing a price tag, so the young man walked from behind the counter to the back of the shop to find a matching item that did show a price. Several minutes later he returned.

When he looked down to enter the amount into his adding machine (the shop didn’t have a cash register), he noticed that it was out of paper. He walked from behind the counter again, this time disappearing behind the door to the left. Several minutes later, he returned with a roll of adding machine paper.

As he began to replace the paper in his machine, his phone rang, so he laid the roll of paper on the counter to answer it. Several minutes later, he finished his conversation and picked up the roll of paper again. Several minutes after that, he’d succeeded in getting the paper installed in the machine.

After adding up my few purchases, he reached beneath the counter for a bag to put the groceries in but found he was out of bags, so he came out from behind the counter and disappeared again behind the door to the left. Several minutes later, he returned with a single plastic bag. Four other customers stood in line behind me. I guess he was counting on them not wanting bags.

My items placed in the plastic bag, the young man looked up at me. “That’s US$12.65,” he told me in Spanish.

I handed him a 10-dollar bill and a 5-dollar bill. The young man reached beneath the counter for the cigar box where he keeps his change. No singles. He called out to the young woman stocking shelves, who finished what she was doing then joined the young man behind the counter and counted out change for me from her apron pocket.

This is the kind of scene that plays out all day long every day in Panama and every other developing country in the world. You develop the patience to take it in stride. Or you leave the developing world.

2. To embrace ambiguity…

Will the corner grocer open his shop at 9 a.m. as his sign indicates…or will he open later…or at all?

Will the lady behind the counter in the immigration office accept my prepared dossier or request additional paperwork not indicated in any of my four previous conversations with her?

Will the banker cash my check or question the signature (as happens for me with bankers in Panama City a couple of times every month)?

Will the car in front of mine turn right from the right-hand turn lane we’re both in or will he turn left across two lanes of traffic?

Will the delivery man show up on Thursday as promised?

Will the waitress return with my order?

I’ve come to see these as philosophical rather than practical musings and have trained myself not to be surprised when the answer is, as it often is, contrary to expectations.

3. Not to mind not understanding what’s going on around me…

Why is that work crew digging another hole in the middle of that street? They dug a hole in that same spot and then covered it over last week. Why dig another one…and why do it now, during morning rush-hour traffic?

Why has the government changed such-and-such national holiday from Friday to Monday (as happened last month in Panama without warning or explanation)?

Why does the landline phone go out every time it rains?

Why is the electricity out…and when will it be restored?

4. Not to be bothered by things that don’t matter…

See above.

5. To savor the “Nutella” moments…

The frustrations and challenges of living in a foreign country, especially in the developing world, are many but so are the moments of extraordinary discovery and delight. Seeing the look of unadulterated pleasure on my 5-year-old son’s face the first time he tried Nutella when we were living in Paris was one. As were celebrating my daughter’s 16th birthday at a cafe on the Left Bank of the Seine with a view of the Louvre…the first time my husband and I dined at a rooftop restaurant in Istanbul overlooking the Bosphorus…the view of the long line of ships awaiting their turn for passage through the Panama Canal that I see from my bedroom window every morning…kayaking with the kids down the Macal River in Belize…watching my children learn to ride horseback in the field behind our home in Ireland…rocking in a big wicker chair on the front porch of the Alhambra Hotel overlooking the main plaza in Granada, Nicaragua, the oldest city in the Americas, as life carries on as it has in this spot for centuries…

6. To let go…

My mother helped me to pack up my house in Baltimore in advance of my move from the States to Ireland years ago. Standing on a stepstool in front of an open kitchen cabinet, she asked, “What do you want to do with all this?”

I glanced over and told her to put everything in the cabinet into a box and then to take it home with her.

“But all your teas…your spices!” she replied. “You can’t just give all of this away!”

To make the move from Baltimore to Waterford, I had to clear out a three-bedroom house, a basement, an attic, and a garage. That required a lot of letting go. At the time, it seemed hard to give so much away. Now I smile and shake my head at the thought that a reluctance to part with the paraphernalia of my life to that point could have stood in the way of launching the new life I’ve enjoyed all these years since.

7. To bloom where I’ve planted myself…

Ireland was cold, drizzly, and grey more days than it wasn’t, and Waterford, where we were based for seven years, was (is) a backwater. Panama City, where we’ve been living now for more than six years, is hot and humid every day of the year. It’s also a boom town, meaning congestion, chaos, and crazy traffic.

In Ireland, I could have complained that I missed sunshine and the trappings of a real city, as I did, and today, here in Panama City, I could complain about the tumult. The truth is, sometimes I do. Then I remind myself of the big-picture reasons why I am where I am. Ireland was the best place for me and my family when we were there, weather and nightlife notwithstanding, and the same is true now for Panama City.

8. To downsize on the fly…

I began learning about letting go that afternoon with my mom in my Baltimore kitchen. My graduate lesson in the exercise of downsizing came in Paris. We relocated with two children from a 5,000-square-foot house in Waterford to a 1,100-square-foot apartment in the City of Light. I stored my son’s clothes in the china hutch in the dining room and his toys and games under his bed. My husband and I shared a single desk in the living room when we worked at home (as we often did), and the four of us ate dinner each night at an undersized table that was like something out of “Alice In Wonderland.”

And I wouldn’t trade a single day in Paris or a single memory of our years there for a single additional square foot of living space.

9. To ask for help…

I’m a resourceful, self-reliant, Type A American woman. I can take care of myself. However, living overseas, I’ve learned that sometimes life is easier and more fun when I don’t. Here in Panama, we’re able to afford a full-time maid. It’s an indulgence I wouldn’t have considered living in the States, but the help around the house sure is nice.

10. To abandon any idea I ever had about “normal”…

What’s a “normal” way to celebrate a child’s birthday (in Panama, the piñata is key) or shop for a Christmas tree (in Panama City, we buy ours out of a local wholesaler’s refrigerated meat locker)? More seriously, what’s a normal way to raise a family or run a business? My family thought I was crazy to move my 8-year-old daughter from Baltimore to Waterford and to give birth to my second child in Ireland. They still think I’m crazy, I guess, for living and running my business in Panama.

I used to worry that our lifestyle might translate down the road into years of psychotherapy for our two children. On the other hand, they both speak three languages and have a global perspective that makes me both proud and optimistic about their future prospects. Whatever life throws at them, they’ll be fine.

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Kathleen Peddicord has covered the live, retire, and do business overseas beat for more than 30 years and is considered the world's foremost authority on these subjects. She has traveled to more than 75 countries, invested in real estate in 21, established businesses in 7, renovated historic properties in 6, and educated her children in 4.

Kathleen has moved children, staff, enterprises, household goods, and pets across three continents, from the East Coast of the United States to Waterford, Ireland... then to Paris, France... next to Panama City, where she has based her Live and Invest Overseas business. Most recently, Kathleen and her husband Lief Simon are dividing their time between Panama and Paris.

Kathleen was a partner with Agora Publishing’s International Living group for 23 years. In that capacity, she opened her first office overseas, in Waterford, Ireland, where she managed a staff of up to 30 employees for more than 10 years. Kathleen also opened, staffed, and operated International Living publishing and real estate marketing offices in Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France.

Kathleen moved on from her role with Agora in 2007 and launched her Live and Invest Overseas group in 2008. In the years since, she has built Live and Invest Overseas into a successful, recognized, and respected multi-million-dollar business that employs a staff of 35 in Panama City and dozens of writers and other resources around the world.

Kathleen has been quoted by The New York Times, Money magazine, MSNBC, Yahoo Finance, the AARP, and beyond. She has appeared often on radio and television (including Bloomberg and CNBC) and speaks regularly on topics to do with living, retiring, investing, and doing business around the world.

In addition to her own daily e-letter, the Overseas Opportunity Letter, with a circulation of more than 300,000 readers, Kathleen writes regularly for U.S. News & World Report and Forbes.

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